Tower Insurance for Car, House, Contents & More: NZ 2026 Review

Updated 25 June 2026

Quick preview: Tower is one of New Zealand’s largest general insurers, covering car, house, contents, landlord, travel, boat and pet. Below: what Tower insures, how its excess works, what it costs in 2026 with real sample monthly prices, and how to check it suits you.

8 in 10 people will save money on Car Insurance with Quashed.

Is Tower Insurance good in 2026?

Tower is one of New Zealand’s largest and most established general insurers, and for most everyday cover it is a solid, dependable choice. It offers clear cover tiers, flexible excess options and a fully digital claims process, with a range spanning car, house, contents, landlord, travel, boat and pet. Because Tower uses risk-based pricing, every premium reflects your own details, which is exactly why it pays to compare with Quashed to see where Tower lands for you.

Get a quick car insurance estimate with the Quashed car insurance calculator.
Compare Tower against other insurers in about 90 seconds with the Quashed Market Scan.

What do Tower Insurance customers say?

Customer ratings are a useful sense-check alongside price and cover. Here is how Tower scores on two of the most-used review platforms as of June 2026.

Review platform	Tower rating (June 2026)
Trustpilot	4.3 out of 5 (“Excellent”) from 3,340+ reviews
Google	3.1 out of 5 from 1,071+ reviews

Tower holds a strong 4.3 out of 5 “Excellent” score on Trustpilot from more than 3,340 reviews, alongside a 3.1 out of 5 rating on Google from over 1,071 reviews. As with most insurers, Google ratings tend to sit lower because people often post after a claim or billing query, so it pays to read a spread of recent reviews and weigh them against what matters most to you. Once you know how Tower is rated, compare the cover and price for your situation with the Quashed Market Scan.

The average Kiwi household can save $1,560 a year by shopping their insurance! Find out how your renewal prices stack up against other options out there.

How much does Tower Insurance cost in 2026?

Tower’s premiums depend on your location, cover, excess, claims history and more. To show how they stack up, we pulled live Tower Insurance quotes in June 2026 across Auckland, Wellington and Canterbury.

These figures are based on live Tower quotes captured in June 2026 for specific customer profiles. They are indicative only, and your own price will differ.

How much is Tower car insurance?

In our June 2026 sample, comprehensive cover for a 2020 Toyota Corolla ranged from about $64 a month in Wellington to $80 a month in Auckland.

Region	Monthly premium
Auckland	$79.54
Wellington	$64.35
Canterbury	$70.97

This was comprehensive cover, $500 excess, drivers under 25 excluded, agreed value about $22,600. The national average comprehensive premium is $1,267 a year, so this lower-risk profile sits well below it. See our guide to the average cost of car, house and contents insurance.

This review focuses on comprehensive cover. Comprehensive protects your own vehicle and other people’s property against accidents, theft, fire and natural events, and lets you insure for an agreed or market value. Standard features include new-car replacement in the first two years if you insure from new, up to $1,000 for lost or stolen keys, and automatic windscreen and glass cover, with optional add-ons such as a windscreen excess buyout, rental car cover and RoadWise roadside assistance. If your car is older or lower in value, Tower also offers Third Party Fire and Theft and Third Party Only cover; our guides on switching to third party car insurance and how to compare car insurance can help you weigh up the right level.

Run your own numbers through the Quashed Market Scan to see how Tower compares for your car.

Person waving a hat from a car window on a gravel road.

How much is Tower house and contents insurance?

For a standard $700,000 home with mid-level contents cover, Tower combined house and contents premiums ranged from about $152 a month in Auckland to $251 a month in Wellington in June 2026.

Region	Monthly premium
Auckland	$151.93
Canterbury	$247.60
Wellington	$250.95

These combine two policies: house cover ($700,000 sum insured, 150m², $1,000 excess) and contents cover ($57,500 sum insured, $500 excess), with the house premium making up most of the total. House cover is the priciest of the three main policies and the only one still rising, averaging $2,949 nationally and $4,738 in Wellington. Tower pays a rebuild up to your sum insured, so set that figure to reflect the real cost to rebuild.

How much is Tower landlord insurance?

For a $700,000 rental property on Plus cover, Tower landlord premiums ranged from about $151 a month in Auckland to $271 a month in Wellington in June 2026.

Region	Monthly premium
Auckland	$151.02
Canterbury	$264.50
Wellington	$271.07

Tower landlord cover includes loss of rent and up to $20,000 for deliberate tenant damage, though it requires three-monthly inspections to stay valid. For more, see our guide to the ins and outs of insuring your rental.

Check landlord cover against other insurers with the Quashed Market Scan.

How does Tower Insurance excess work?

Your excess is the amount you pay towards a claim before Tower covers the rest. It applies across Tower’s policies, including car, house, contents and landlord cover, and can have up to three parts:

A compulsory base excess set by Tower for every claim.
A voluntary excess you can choose to add to lower your premium.
Additional excesses that may apply depending on the policy, the type of claim or who is driving, such as a higher excess for younger or less experienced drivers on a car policy.

Tower applies a “one event, one excess” rule, so if a single incident affects more than one of your eligible Tower policies, you pay only the highest excess rather than several.

How much excess would you pay on a claim?

Here is a simple example of how your excess reduces what Tower pays on a repair claim. Actual payouts also depend on your policy limits, sum insured and any sub-limits.

Breakdown	Amount
Cost of repairs	$6,000
Your excess	$600
What Tower pays	$5,400

You pay your $600 excess and Tower covers the remaining $5,400.

Shop smarter with Quashed. Insurance just got way easier with Quashed. Compare, shop and track all your insurance in one place.

What else does Tower Insurance cover?

Beyond cars, Tower offers cover for homes, contents, rentals, travel, boats and pets. Tap any policy type to learn more on Tower’s website.

Policy	What it covers
House	Your home and its structure against fire, storms, natural disasters and accidental damage. Rebuilds are paid up to your sum insured, so set that figure carefully.
Contents	Your belongings after theft, fire, storms or accidental damage.
Landlord	Rental properties, with loss of rent cover and up to $20,000 for deliberate tenant damage.
Travel	Overseas medical costs, cancellations, delays and baggage.
Boat	Accidental damage, theft, collision and third-party liability of up to $5 million. Social yacht racing is covered, but high-performance and racing boats are generally excluded unless specifically agreed.
Pet	Vet bills for accidents and illness for cats and dogs.

A woman thoughtfully considering her financial choices.

When is Tower Insurance the right choice?

Tower is a strong option if you want established, straightforward cover across several insurance types from one insurer.

It fits well if you want reliable everyday cover for your car, home, contents or rental, all managed in one place.
It suits people who value a fully digital experience, from getting a quote to managing claims online.
Because Tower uses risk-based pricing, comparing the market is the best way to see how its price stacks up for your situation.

The bottom line: Tower is a solid all-rounder, and comparing first is the simplest way to confirm it is the right deal for you. A quick Quashed Market Scan shows how it stacks up.

How do I check if Tower Insurance is right for me?

A few quick steps will tell you whether Tower stacks up for your situation.

Get a quick estimate by running your registration through the Quashed car insurance calculator.
Run a Quashed Market Scan to compare Tower against other insurers side by side for car, house, contents and landlord cover.
Look beyond price. Check excesses, temporary accommodation limits, hire-car caps and what is excluded.
Once you have found the right fit, start the new policy before cancelling your old one, get the certificate, then cancel the previous cover.

Tower Insurance review: the verdict

Tower offers solid, straightforward cover across car, house, contents, landlord, travel, boat and pet, with clear tiers and a transparent excess system. On comprehensive car cover you also get handy standard features such as new-car replacement and automatic windscreen and glass cover, plus optional roadside and rental-car add-ons. Because every quote is based on your own details, the simplest way to see how Tower compares is to run a quick comparison before you buy.

Run a Quashed Market Scan to see how Tower compares for your situation.

Tower Insurance FAQs

Is Tower Insurance good?

Tower is one of New Zealand’s largest and most established general insurers, with transparent cover tiers and a fully digital claims process. It is a dependable choice for most everyday cover, and because pricing is based on your own details, comparing with the Quashed Market Scan is the best way to see how it stacks up for you.

How much does Tower car insurance cost in NZ?

It depends on your car, location, excess and driving history. In our June 2026 sample, comprehensive cover for a 2020 Toyota Corolla ran from about $64 a month in Wellington to $80 a month in Auckland. The national average comprehensive premium is $1,267 a year.

What does Tower Insurance cover?

Tower covers car, house, contents, landlord, travel, boat and pet insurance. Car cover is split into three tiers: Comprehensive, Third Party Fire and Theft, and Third Party Only.

Does Tower offer agreed or market value for cars?

For comprehensive car cover, Tower lets you insure your vehicle for an agreed value or market value. Agreed value works well for newer or financed cars where you want certainty about the payout.

How does Tower’s excess work?

Tower excess can include a compulsory base amount, an optional voluntary excess that lowers your premium, and additional excesses for certain drivers. Its “one event, one excess” rule means a single incident affecting multiple eligible Tower policies only triggers the highest excess.

Does Tower Insurance cover natural disasters?

Yes. Tower house and contents policies automatically include Natural Hazards Cover through the Natural Hazards Commission, as required under the Natural Hazards Insurance Act 2023 for private homes in New Zealand.

Can I get a Tower quote through Quashed?

Yes. You can compare Tower against other insurers for free through the Quashed Market Scan for car, house, contents and landlord insurance, then buy directly if it is the best option for you.

Is Tower cheaper than other insurers?

It depends on your profile. Tower uses risk-based pricing, so your premium reflects your own details, which is why comparing matters. Recent Quashed data shows 81% of people who compared their car insurance found a cheaper option, saving around $377 a year on average, so it always pays to check the market.

How do I switch to Tower Insurance?

Start your new Tower policy before cancelling your current one, get the certificate of insurance, then cancel the old policy once the new cover is active, so you are never left without protection.

Quashed — all your insurance in one place, compare and save in New Zealand.

We’re on a mission to quash
insurance confusion

We don't just squash 'em, we quash 'em, to put you in control.